GB2427059A - Portable transaction processing device - Google Patents

Portable transaction processing device Download PDF

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Publication number
GB2427059A
GB2427059A GB0511476A GB0511476A GB2427059A GB 2427059 A GB2427059 A GB 2427059A GB 0511476 A GB0511476 A GB 0511476A GB 0511476 A GB0511476 A GB 0511476A GB 2427059 A GB2427059 A GB 2427059A
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GB
United Kingdom
Prior art keywords
transaction processing
portable transaction
card reader
portable
data processor
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
GB0511476A
Other versions
GB0511476D0 (en
GB2427059B (en
Inventor
John Christopher Drohan
Graham R Knott
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
BRISTOL OFFICE MACHINES
Original Assignee
BRISTOL OFFICE MACHINES
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by BRISTOL OFFICE MACHINES filed Critical BRISTOL OFFICE MACHINES
Priority to GB0511476A priority Critical patent/GB2427059B/en
Publication of GB0511476D0 publication Critical patent/GB0511476D0/en
Publication of GB2427059A publication Critical patent/GB2427059A/en
Application granted granted Critical
Publication of GB2427059B publication Critical patent/GB2427059B/en
Expired - Fee Related legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F1/00Details not covered by groups G06F3/00 – G06F13/00 and G06F21/00
    • G06F1/16Constructional details or arrangements
    • G06F1/1613Constructional details or arrangements for portable computers
    • G06F1/1626Constructional details or arrangements for portable computers with a single-body enclosure integrating a flat display, e.g. Personal Digital Assistants [PDAs]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873Details of the card reader
    • G07F7/088Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A portable transaction processing device comprises a card reader for interfacing with a financial transaction card and a data processor which can store transaction details and optionally be used for order selection and stock control. The device comprises a PDA 7 having a graphical user interface 8 and a chip-and-pin card reader 4 mounted on opposite sides of a housing 4. The device may include a tilt switch to detect which side of the device is facing upwardly, to cause that side to be enabled.

Description

PORTABLE TRANSACTION PROCESSING DEVICE

Field of the invention

The present invention relates to a hand held transaction processing device for performing order taking and payment processing.

Summary of the invention

According to the present invention there is provided a portable transaction processing device, comprising a card reader for interfacing with a financial transaction card having an integral electronic security device, and data processor for providing at least one of order selection, stock query and storage of transaction details.

It is thus possible to facilitate the processing of orders and payment away from a till space.

Preferably the portable transaction device has a wireless communications transceiver for enabling it to interface with a transaction processing network Preferably the financial transaction card is a credit or debit card having an electronic chip included therein for validating a transaction and for providing enhanced security against fraud. Such cards are commonly known as "Chip and Pin" cards. These cards and their readers are commercially available and need not be described in detail here as the protocols concerning the use of the cards and interactions between the cards and the card readers are known to the person skilled in the art.

Advantageously the data processor is a commercially available computing device such as a personal digital assistant, PDA, as these usually come with a user interface in the form of a graphical user interface for displaying data and a touch screen for making selections or entering data. PDA's often also include an operating system and various embedded tools and applications such as a handwriting recognition application and networking adaptors.

PDAs often include an integral wireless communications device such as a Bluetooth device or an 802.11 (b or g) wireless network adaptor. PDAs also include non volatile storage making them suitable for running user applications such as an electronic point of sale application, EPOS, which may handle order taking and keep a record of all items ordered or sold for the purpose of updating stock control systems or interfacing with accounting systems so as to process card payments and to keep a track of the value of items or services sold.

Advantageously the user interfaces for the data processor and the card reader are on different and preferably opposing sides of the portable transaction device. This has the advantage of maximising the size of the user interface available for each function.

Furthermore, since the EPOS interface and the card reader should not be used simultaneously, the card reader functionality may be disabled while the EPOS functionality implemented by the data processor or PDA is in use, and the EPOS functionality may be disabled while the card reader is in use. This disabling can be carried out automatically as a transaction progresses. Advantageously a command interface remains active to enable the retailer to manually determine which device should be in use.

Advantageously the device includes a tilt switch or other component for determining which side of the device is facing generally upwardly (i.e. towards a user) and for enabling the upwardly facing one of the card reader and the data processor. If a tilt switch is not used, then a light dependent sensor may be employed to determine which side is facing upwardly as generally the device will be held in a users hand and this shields one side of the device from the ambient light. Alternatively the resistance or capacitance of the user may be detected by a suitable sensor. This reduces the risk of inadvertent data entry by pressing of keys during transport or while being passed from the retailer to the purchaser. As a further precaution the user interfaces on either device may be disabled when neither side is facing upwardly (or within an acceptable range of angles from upwardly) and furthermore the interfaces may optionally be disabled for a generally short time period once the device has been orientated into a usable position (i.e. one of the data processor and the card reader facing towards a user) so as to allow the user time to adjust their hold on the device without the risk of entering data into it.

Advantageously the portable transaction processing device further includes a magnetic card reader for reading those cards which still carry, or only carry, magnetic strips encoding the card number and other suitable information.

Brief description of the drawings

Figure 1 schematically shows a portable transaction terminal constituting an embodiment of the present invention; Figure 2 schematically illustrates the functional components within the transaction terminal; and Figure 3 schematically illustrates a transaction using the portable transaction terminal Description of preferred embodiments of the invention The portable transaction terminal shown in figure 1 comprises a housing, generally designated 2 which contains a chip and pin card reader 4 on a first side 6 of the housing 2 and a PDA 7 contained within the housing and having its GUI 8 facing through an aperture on a second side 12 of the housing 2 opposed to the first side 6.

In use, the portable terminal generally rests within the palm of a user's hand enabling them to hold the device in a convenient position while enabling them to operate the device with their other hand. As a result, in use one side of the device will be facing generally upwardly and the other side will be facing generally downwardly.

The card reader is commercially available and implements within it transaction and communication protocols, which, for example may correspond to the Visa Approved PED, EMV Level 1, EMV Level 2, and APACS Common Criteria EAL 4+ Requirements. The card reader performs its interfacing with a back office or card issuer's network via the communication functionality of the PDA 7. The system components provided within the terminal are shown in greater detail in figure 2.

The transaction terminal has a PDA 22 coupled to a chip and pin card reader 24. The PDA 22 includes a graphical user interface such as a touch sensitive screen 26 that functions as the main interface with a human user. The screen displays material under the control of a microprocessor 28 which in turn communicates with a memory 32 (such as non volatile memory and random access memory), an input -output device such as an RS232 interface 34, a universal serial bus (USB) port and a wireless network interface 36 via a data bus 38.

The PDA communicates with the card reader via the RS232 interface. The PDA may also be in communication with a position sensor 39 (over the bus 38 or via the USB or RS232 devices) which enables the general orientation of the terminal to be identified such that the interface facing towards a user is enabled and the interface facing away from a user is disabled.

The card reader 22 contains its own data processor and memory to operate the display and keyboard, and to interface with the chip and pin card via the approved protocols.

The memory 32 stores the operating system for the PDA and the electronic point of sale software (EPOS) , which offers the standard EPOS functionality and need not be described in detail here.

Figure 3 schematically illustrates a transaction using the transaction terminal in a restaurant environment. The transaction commences at step 40 where the customer order is taken. In this example the customer orders a pizza. The staff member taking the order, such as a waiter, turns the transaction terminal such that the PDA GUI is facing them (step 42) and uses the EPOS software to select the right category of food from a menu, and confirms this to the EPOS software at step 44. Control now passes to step 46 where the EPOS client running on the PDA interfaces with the back office systems, either over a wired or more preferably a wireless connection, to place the order to the kitchen order system and/or to modify the stock control system to register the sale of the pizza and to decrement the number of pizzas logged by the stock control system.

Following step 44 or 46 the customer way wish to pay for his purchase. This occurs at step 48 where the waiter opens the customer's account or order to review the items that are to be paid for and then confirms to the EPOS system that payment is to be made. The EPOS system totals bill and passes the value of the bill to the card terminal such that the customer can see the value that they are being requested to pay for. Simultaneously the input/output interface of the card reader is enabled at step 50 and the interface of the EPOS system is temporarily disabled, with the exception of a manual override button, which may be presented as a soft button on the GUI of the PDA.

The user then enters an off line PIN validation procedure at step 52 which is under the control of the card reader. This process is known as part of the standard repertoire of functions from the commercially available chip and pin card reader. The user enters their card into the reader and enters their PIN in response to instructions from the reader. The reader may then authenticate and complete the transaction as step 54, either as part of a fully off line transaction, or by using its wireless connectivity to connect to a bank or card issuer's verification system at step 53.

Once the transaction is completed the card reader is deactivated at step 56 and the EPOS system is reactivated so as to enable the customer to be given a printed receipt for their records at step 58.

The PDA may have a 3.5" QVGA TV!' colour 16-bit touch sensitive Transfiective display and a processor running at, for example 400MHz there by allowing the mobile terminal to run a full gamut of PDA applications. The PDA may include or be connected to a mobile telephone module to enable the PDA to establish connectivity using GPRS or 3G (or above) mobile telephone network infrastructure. The terminal typically lasts for 8 hours continuous use from one charge of its rechargeable battery and may also include flash card reader slot and/or a multimedia card slot together with the magnetic card reader. This can be provided in a device whose dimensions are roughly 190mm by 90mm by 55mm. I.

In order to provide a printed receipt for the customer several printing options may be available.

In a first solution wireless / Bluetooth printers scattered around a complex such as a restaurant or other retail space. Printers are strategically placed around the area where the portable transaction terminal will be used. Staff are then able to select the printer (via wireless or Bluetooth communications) which is closest to their position to print receipts, saving precious leg work and time.

In a second solution, the staff operate with a printer attached to them, for example clipped onto their belt. Staff can request a printout using the PDA - the software passes this command to the printer and a receipt is printed on their attached printer.

In a third solution a wireless/Bluetooth printer is provided at the main till or entrance/exit of the retail space. Transactions and operations are undertaken using the portable transaction terminal and, when a printed receipt is required, the member of staff simply prints it off at the main till printer.

It is thus possible to facilitate order and payment processing.

Claims (12)

1. A portable transaction processing device, comprising a card reader for interfacing with a financial transaction card having an electronic security device, and a data processor for providing at least one of order selection, stock query and storage of transaction details.
2. A portable transaction processing device as claimed in claim 1, further comprising a wireless communications transceiver.
3. A portable transaction processing device as claimed in claim 1 or 2, in which the data processor is a personal digital assistant.
4. A portable transaction processing device as claimed in any of the preceding claims, in which user interfaces for the data processor and the card reader are on different sides of the portable transaction processing device.
5. A portable transaction processing device as claimed in any of the preceding claims in which the portable transaction processing device runs an electronic point of sale (EPOS) interface, and the EPOS interface is disabled while the card reader is in use.
6. A portable transaction processing device as claimed in any of the preceding claims, in which the data processor and the card reader are on opposing sides of the portable transaction processing device and the device further includes a component for determining which side of the device is facing generally upwardly and for enabling the upwardly facing one of the card reader and the data processor.
7. A portable transaction device as claimed in claim 6, in which the component for determining which side of the device is facing generally upwardly is a tilt switch, a light dependent sensor, a resistive sensor or a capacitive sensor.
8. A portable transaction device as claimed in any of the preceding claims further including means for inhibiting operation of the user interfaces when neither of the user interfaces is facing upwardly.
9. A portable transaction processing device as claimed in any of the preceding claims, wherein the device is adapted to present a stock selection interface to a user such that a user can select items to be purchased.
10. A portable transaction processing device as claimed in claim 9, wherein the portable transaction processing device is adapted to communicate with a further data processing system to place an order and/or to modify a stock control system.
11. A portable transaction processing device as claimed in claim 9 or 10, wherein the portable transaction processing device is further adapted to enable a user to confirm their purchases via the electronic point to sale system which then calculates a bill and passes the value of the bill to the card reader such that a customer can make a payment using a financial transaction card.
12. A portable transaction processing device further including printer control means for printing a receipt at a printer.
GB0511476A 2005-06-06 2005-06-06 Portable transaction processing device Expired - Fee Related GB2427059B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB0511476A GB2427059B (en) 2005-06-06 2005-06-06 Portable transaction processing device

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB0511476A GB2427059B (en) 2005-06-06 2005-06-06 Portable transaction processing device
PCT/GB2006/002027 WO2006131708A1 (en) 2005-06-06 2006-06-05 Portable transaction processing device

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GB0511476D0 GB0511476D0 (en) 2005-07-13
GB2427059A true GB2427059A (en) 2006-12-13
GB2427059B GB2427059B (en) 2007-06-27

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WO2013128170A1 (en) 2012-02-28 2013-09-06 Barclays Bank Plc System and method for authenticating a payment transaction
WO2013128169A1 (en) 2012-02-28 2013-09-06 Barclays Bank Plc Payment transaction receipt system and method
GB2510472A (en) * 2013-01-18 2014-08-06 Licentia Group Ltd Portable card authentication device
WO2017222696A1 (en) * 2016-06-21 2017-12-28 Square, Inc. Transaction interface control
US10565359B2 (en) 2012-07-20 2020-02-18 Licentia Group Limited Authentication method and system
US10592653B2 (en) 2015-05-27 2020-03-17 Licentia Group Limited Encoding methods and systems
US10607200B2 (en) 2015-12-28 2020-03-31 Square, Inc. Point of sale system having a customer terminal and a merchant terminal
US10783509B2 (en) 2017-09-29 2020-09-22 Square, Inc. Message sizing and serialization optimization
US10783508B1 (en) 2014-12-16 2020-09-22 Square, Inc. Processing multiple point-of-sale transactions

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US9324065B2 (en) 2014-06-11 2016-04-26 Square, Inc. Determining languages for a multilingual interface
US10753982B2 (en) 2014-12-09 2020-08-25 Square, Inc. Monitoring battery health of a battery used in a device
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US10108412B2 (en) 2016-03-30 2018-10-23 Square, Inc. Blocking and non-blocking firmware update
US10817869B2 (en) 2016-06-29 2020-10-27 Square, Inc. Preliminary enablement of transaction processing circuitry
US10621590B2 (en) 2017-02-22 2020-04-14 Square, Inc. Line-based chip card tamper detection
US10733589B2 (en) 2017-04-28 2020-08-04 Square, Inc. Point of sale device power management and under voltage protection
US10635820B1 (en) 2017-09-29 2020-04-28 Square, Inc. Update policy-based anti-rollback techniques
US10762196B2 (en) 2018-12-21 2020-09-01 Square, Inc. Point of sale (POS) systems and methods with dynamic kernel selection
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WO2013128170A1 (en) 2012-02-28 2013-09-06 Barclays Bank Plc System and method for authenticating a payment transaction
WO2013128169A1 (en) 2012-02-28 2013-09-06 Barclays Bank Plc Payment transaction receipt system and method
US10332110B2 (en) 2012-02-28 2019-06-25 Barclays Services Limited System and method for authenticating a payment transaction
US10565359B2 (en) 2012-07-20 2020-02-18 Licentia Group Limited Authentication method and system
GB2510472A (en) * 2013-01-18 2014-08-06 Licentia Group Ltd Portable card authentication device
US10783508B1 (en) 2014-12-16 2020-09-22 Square, Inc. Processing multiple point-of-sale transactions
US10740449B2 (en) 2015-05-27 2020-08-11 Licentia Group Limited Authentication methods and systems
US10592653B2 (en) 2015-05-27 2020-03-17 Licentia Group Limited Encoding methods and systems
US10607200B2 (en) 2015-12-28 2020-03-31 Square, Inc. Point of sale system having a customer terminal and a merchant terminal
WO2017222696A1 (en) * 2016-06-21 2017-12-28 Square, Inc. Transaction interface control
US10504092B2 (en) 2016-06-21 2019-12-10 Square, Inc. Transaction interface control
US10783509B2 (en) 2017-09-29 2020-09-22 Square, Inc. Message sizing and serialization optimization

Also Published As

Publication number Publication date
WO2006131708A1 (en) 2006-12-14
GB0511476D0 (en) 2005-07-13
GB2427059B (en) 2007-06-27

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